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Old 03-17-2010, 11:28 AM   #1
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Default Insurance Pricing Questions

well while I owned my bonneville I never had it insured because I was not insuring it until i got it completely road-worthy. Now, with that said, it was an SSEi - a 95 with only 225 hp. If I were to insure the car would it be more just because it has a supercharged engine versus a N/A? because if that is so, its really dumb because most modern N/A engines make more hp than 225. I know that typically 2 door vehicles are more cost then 4 doors so I was wondering if being the sportier of the bonnevilles would make it more money as well. thanks
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Old 03-17-2010, 11:35 AM   #2
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i got hit with state farm for the */c if it was n/a it would have been a little cheaper
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Old 03-17-2010, 11:53 AM   #3
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I think they see it as a vehicle with 'sport' trim, which usually does add some to the premium, but I can't imagine it would be that much. Give them the VIN, make no comments on the vehicle, and shop around for insurance.
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Old 03-17-2010, 12:10 PM   #4
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I don't think it makes that much of a difference. I was paying $700 a year for liability only on my 99 SLE', it doubled to $1400 a year with my 03' SSEi on full coverage. It'* come down quite a bit now thankfully, but that sounds about right for moving to a newer vehicle and switching to full coverage.
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Old 03-17-2010, 02:36 PM   #5
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I pay $1700 a year (full coverage- liability, collision, comprehensive) for my '03 N/A. I'm 18 and have one speeding ticket.
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Old 03-17-2010, 03:17 PM   #6
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For what it'* worth:

I pay $65 a month for my NA, coverage at state minimum, except for maxed-out medical insurance (I'm otherwise uninsured in that area). Geico offered me the cheapest rate by far.
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Old 03-17-2010, 06:56 PM   #7
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Oh and one more thing I might want to mention is the car is in my dad'* name. If it was in my name the insurance would be 3k a year for full coverage.
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Old 03-17-2010, 08:30 PM   #8
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Quote:
Originally Posted by yutzybrian View Post
I pay $1700 a year (full coverage- liability, collision, comprehensive) for my '03 N/A. I'm 18 and have one speeding ticket.
seriously? what company are you with? My mom got a quote that would be around $150 a month for me on my Bonne. With barely any coverage. I need to know what company you're with. I know it depends on where you're from too. lol
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Old 03-17-2010, 09:02 PM   #9
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You really cant compare insurances state to state. Or even city to city within a state. The numbers you guys are posting are really meaningless to others. It goes by so many variables, including the level of insurance, age of car if comprehensive and/or collision is wanted, driving record, age of driver, how long driver has been driving, driving record, previous accidents, average shop hour rates in your area, average claim in your area, average income per capita, how many accidents per capita And sq. Miles, how many miles you drive to work roundtrip, what percentage is for leisure.

Getting the Picture? You can't go with any rate somebody else gets, or location, or even insurance company because in one location, one will be best buy, but in another location it will be different. Your best bet is let an independent insurance agent do the work and comparing. Better yet, use two different ones and compare each'* comparisons.
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Old 03-17-2010, 09:16 PM   #10
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I had a 95 olds cutlass supreme 2 door with a 3.1. Now i have a 96 buick park avenue ultra with the 3.8 */c and i pay the same amount. I only carry liability on mine. I am 30 and and have a speeding ticket and unsafe backing ticket. I only pay 30 a month. I have allstate for the insurance.
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